have been trying to work with OCWEN since April of this year to do a kRe-finance. They keep giving me a different answer each time I call and the things I am told will occur do not; i.e. you wil receive papers by the 18th etc; they nexzt time I call they tell me no such rewrites have been approved yet. this has been going on for 6 months and I have now received forclosure papers and they are returning my payments.It's nearly impossible to talk to a real person and the recording goes in a circle. I have to adnwer that I don't have SS or loan# available to talk to a real person.